Investments

Investment solutions to help you achieve your financial goals

Investments

The right investment strategy plays a vital role in securing your financial future. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service you’ll need to help you achieve your financial goals.

We can offer a range of carefully constructed, risk-rated portfolios that enable you to spread your investments across a wide range of asset types and countries and to choose fund managers with different investment styles to create a balanced and diversified investment solution.

In addition to investments, J Finance can also help you with mortgages, insurance services and pensions.

If you are looking for investment services in Berkshire and beyond, then call J Finance today on tel: 01635 521300 or contact us here.

NISAs

New Individual Saving Accounts (NISAs – formerly known as ISAs) provide a tax-free saving option.

UK residents can save up to £20,000 in the current tax year (ending on 5 April 2019) and their savings, along with the interest earned, are protected from tax.

There are a number of NISA options; Cash, Stocks and Shares, Innovation Finance, Help to Buy and Lifetime. Deposits into NISA savings can be made as a single lump sum, or as a number of smaller deposits throughout the year.

Investment trust and bonds

Low inflation and interest rates have resulted in favourable returns from Investment Trusts and Bonds in recent years. There is no limit to the amount that you can invest but share prices will rise and fall.

By building a diverse and considered portfolio, it is possible to spread the risk and increase the chance of favourable returns, but there is no guarantee.

Trusts and Bonds are viewed as long-term investments, so are ideal for money that you don’t need to access for at least 5 years.

Unit Trusts and OEICs

With Unit Trusts and Open Ended Investment Companies (OEICs), a trust is set up to manage a diverse stock exchange portfolio, which is divided into units or shares for individuals to purchase. With a pool of investors, the trust can spread its assets broadly, therefore reducing the risks associated with investing.

When share prices rise, individuals in the trust receive monthly or quarterly distributions. These can provide a regular income. Alternatively, this can be reinvested in what is referred to as an accumulation, to further build your investment.